Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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0% Balance Transfer Credit Cards

zero-percent2If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for a limited period of time and have no annual fee:
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How to Apply for a Marshalls Credit Card

marshalls-credit-cardMarshalls discount clothing stores DO offer a credit card, but that’s not immediately apparent unless you know that Marshalls and TJ Maxx are part of the same company, and that the credit card for both chains is the TJX Rewards Credit Card.

There are two TJX credit cards, one a store-only card that you can use only at Marshalls, TJ Maxx, Sierra Trading Post, and HomeGoods stores, and the other a MasterCard that can be used at these stores as well as anywhere else MasterCard is accepted. If you apply, you will first be considered for the MasterCard. If your credit is not good enough to get accepted for the MasterCard, you will then be considered for the store-only card.
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Evine Live (formerly ShopHQ) Credit Card Payment, Login, and Customer Service Information

evine-credit-cardThe Evine Live credit card (formerly known as the ShopHQ credit card) is issued in partnership with Synchrony Bank, and it is Synchrony you will deal with when it comes to making a payment online or by mail, or if you need customer service assistance. Below you’ll find all of the information you need to complete any of these tasks:

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Review: Sierra Club Credit Card

sierra-club-credit-cardEnvironmental activist organization The Sierra Club offers a credit card in partnership with Beneficial State Bank & TCM Bank that allows you to earn rewards and also support the Sierra Club financially. Our overview / review of the card is below:

The Sierra Club Visa can be used anywhere Visa credit cards are accepted, which is just about everywhere. A percentage of every purchase you make “supports Sierra Club’s mission to enjoy, explore and protect the planet,” but we couldn’t find any hard information about exactly what percentage the Sierra Club actually gets. This is typical of these types of credit cards that exist to help non-profit organizations, but we always feel it would be more (or less) compelling to potential cardholders to know exactly how much of their purchase benefits the organization.
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Rewards Credit Cards

citibank-double-cash-credit-cardWhen we talk about rewards credit cards, we are talking about any credit card that offers you something back in exchange for using it — the more you get back, the better. We also have a fondness for cards that have no annual fee. Below we have highlighted a list of popular rewards cards with a word or two about what each offers:
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Blair Credit Card Review

blair-credit-cardThe Blair VIP Credit Card is offered to shoppers of the Blair catalog & Blair online store. It can also be used at Blair’s “sister” stores including Orchard Brands, Old Pueblo Traders, Bedford Fair, Willow Ridge and more. Our overview / review of the card is below:
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Cabela’s Credit Card Payment, Login, and Customer Service Information

cabelas-credit-cardThe Cabela’s credit card is issued by World’s Foremost Bank, a bank that actually only exists to service Cabela’s credit card customers. Anyway, you will be interacting with World’s Foremost Bank if you want to pay your Cabela’s credit card online or by mail, or to reach customer service for help. All the info you’ll need is below:

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Review: Blaze Credit Card

blaze-credit-cardThe Blaze Credit Card is offered as either an invitation-only unsecured MasterCard or a secured Visa card. Both cards are from First Savings Bank / First National Credit Card and are geared toward people with bad credit who have had trouble getting credit elsewhere. Below we offer an explanation of the difference between the two cards and a short review of each:

The Blaze MasterCard is an unsecured credit card that is offered by invitation-only. (An “unsecured” credit card is a traditional credit card that offers you credit without you having to put up a security deposit.)
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Discount Tire Credit Card Payment, Login, and Customer Service Information

discount-tire-credit-cardThe Discount Tire credit card is issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service information. Below you’ll find all of the information you need to complete any of these tasks:

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Travel Credit Cards

hyatt-credit-cardEarning free travel is incredibly attractive to most people, and many credit cards exist to help you kickstart your vacation funds.

However, choosing the best travel credit card is difficult, because everyone has different needs. For example, if you’re already earning airline miles from a particular airline, it makes sense to get a frequent flyer credit card from that same airline. Same with hotel credit cards. Piggyback on what you’re already earning based on your travels.
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How to Apply for a Kmart Credit Card

kmart_storeIf you are having a heck of a time getting information on applying for a Kmart credit card, it is because Kmart’s credit card is actually the Sears card. When the two companies merged, the old Kmart credit card went away and the Sears credit card became the card for both store chains.
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BJ’s Credit Card Payment, Login, and Customer Service Information

bjs-mastercardBJ’s Wholesale credit cards are issued in partnership with Comenity Bank, and it is Comenity you will interact with in order to make your payment online or by mail, or to get customer service assistance. Below you’ll find all the information you need to complete any of these tasks:

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Unsecured Credit Cards For Bad Credit

bad_creditIf you have bad credit and you’re looking for a credit card, it’s easy to get a secured credit card that charges an annual fee, but it’s more difficult to be accepted for an unsecured credit card with no fee. We’ve created a list of unsecured credit cards that you might apply for even with bad credit. There is no guarantee any of these will accept you, but these are cards that either work with average to poor credit people, or have been rumored to give a second chance to those with bad credit.
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Discover Launches Miles Credit Card That Is Really A Nice Cash Back Credit Card

discover-it-milesDiscover announced yesterday the launch of the Discover It Miles Card, a no annual fee credit card that offers 1.5 “miles” per dollar charged to the card.

We put the word “miles” in quotes because the card is essentially a cash back credit card under another name. Here’s how it works:

  • Earn 1.5 miles per dollar charged to the card.
  • Redeem miles for cash or as a statement credit against travel purchases. (You must make the travel purchases with the card and then can use your accumulated “miles” to pay off all or part of the purchases.)

Each mile is worth a penny, so if you have 10,000 miles, you have the equivalent of $100 in cash or $100 toward travel purchases.
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Review: Kohl’s Credit Card

kohls_logoThe Kohl’s credit card is a credit card that can be used only for purchases at a Kohl’s department store or online at kohls.com. In almost every review of a department store credit card such as this, we would tell you that the card is only worth having if you pay off your full credit card balance each month. The reason is the exorbitant interest rates that store credit cards usually have — in the case of Kohl’s, that rate is 23.99%.
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Nordstrom Credit Card Payment, Login, and Customer Service Information

nordstrom-credit-cardNordstrom offers its branded credit cards through its very own Nordstrom Bank, which is the financial institution you will deal with when it comes to paying your credit card bill online or by mail, or to get customer service help. All the information you need to accomplish any of these tasks is below:

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Review: Priceline Credit Card

priceline-credit-cardIf you are a frequent user of Priceline for your travel planning and reservations, the Priceline Rewards Visa credit card might make sense for you. Our overview / review of the card is below:

The Priceline credit card offers reward points with every purchase. You get:

  • 5 points per dollar on purchases at Priceline.com
  • 1 point per dollar on everything else you buy with the card

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